# Best Mortgage Lenders in Stockton

**As of:** 2026-05-23

Compare the top mortgage lenders in Stockton. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/stockton/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 98
- **Total Loans:** 7,528
- **Median Rate Spread:** 0.2544421052631579%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STAR ONE Credit Union | 86 | 94 | 65 | 49 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,231 | Independent Mortgage Company |
| 3 | GOOGAIN, INC. | 84 | 83 | 82 | 28 | Independent Mortgage Company |
| 4 | U.S. Bank National Association | 80 | 75 | 71 | 222 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 83 | Bank |
| 6 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 399 | Independent Mortgage Company |
| 7 | Provident Credit Union | 78 | 89 | 67 | 22 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 745 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 111 | Bank |
| 10 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 109 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 89 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 67 | Independent Mortgage Company |
| 13 | SAFE Credit Union | 73 | 53 | 65 | 64 | Credit Union |
| 14 | Zions Bancorporation, N.A. | 73 | 72 | 49 | 62 | Bank |
| 15 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 57 | Bank |
| 16 | Watermark Capital, Inc. | 73 | 71 | 63 | 24 | Independent Mortgage Company |
| 17 | Citibank, National Association | 71 | 87 | 58 | 42 | Bank |
| 18 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 33 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 93 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 82 | Independent Mortgage Company |
| 21 | General Mortgage Capital Corporation | 66 | 50 | 79 | 28 | Independent Mortgage Company |
| 22 | Patelco Credit Union | 66 | 75 | 54 | 21 | Credit Union |
| 23 | THE GOLDEN 1 | 66 | 57 | 60 | 47 | Credit Union |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 166 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 131 | Independent Mortgage Company |
| 26 | KIND LENDING, LLC | 63 | 39 | 73 | 130 | Independent Mortgage Company |
| 27 | THE LOAN STORE, INC. | 63 | 40 | 77 | 96 | Independent Mortgage Company |
| 28 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 86 | Independent Mortgage Company |
| 29 | OCMBC, INC. | 63 | 21 | 64 | 66 | Independent Mortgage Company |
| 30 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 74 | 54 | Independent Mortgage Company |
| 31 | Commerce Home Mortgage, Inc. | 63 | 21 | 68 | 47 | Independent Mortgage Company |
| 32 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 63 | 21 | 66 | 34 | Independent Mortgage Company |
| 33 | NMSI, INC. | 62 | 33 | 92 | 41 | Independent Mortgage Company |
| 34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 32 | Independent Mortgage Company |
| 35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 20 | Independent Mortgage Company |
| 36 | BMO Bank National Association | 60 | 60 | 57 | 43 | Bank |
| 37 | AMERIHOME MORTGAGE COMPANY, LLC | 60 | 42 | 55 | 28 | Independent Mortgage Company |
| 38 | RESICENTRAL, LLC | 60 | 57 | 53 | 22 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 66 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 58 | 35 | 59 | 56 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 52 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 58 | 34 | 70 | 49 | Independent Mortgage Company |
| 43 | Flagstar Bank, N.A. | 58 | 40 | 76 | 44 | Bank |
| 44 | SUN WEST MORTGAGE COMPANY, INC. | 58 | 33 | 62 | 30 | Independent Mortgage Company |
| 45 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 24 | Independent Mortgage Company |
| 46 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 24 | Independent Mortgage Company |
| 47 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 197 | Independent Mortgage Company |
| 48 | SUMMIT FUNDING, INC. | 54 | 13 | 81 | 141 | Independent Mortgage Company |
| 49 | GOLDEN EMPIRE MORTGAGE, INC. | 54 | 18 | 87 | 45 | Independent Mortgage Company |
| 50 | MASON MCDUFFIE MORTGAGE CORPORATION | 52 | 26 | 60 | 32 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Stockton.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.